Why can’t you use your charger unless you have 3 batteries?? The bank without a battery will just not charge when it senses no battery.
I HIGHLY suggest 3 batteries. 2 of the batteries should be dedicated to your Terrova, you absolutely do not want to run your fish finders on 24v.
The 3rd battery will run everything else without a problem. I run 2 graphs, 2 aerators, and crank the motor with one battery all day long and it barely loses a charge.
Make sure that the 2 trolling motor batteries are bought at the same time and are identical. This will extend their life. There is also a conditioning process that should do over the first 20 or so uses that will also extend the battery life.
Smart chargers are worth every dime too. Not only will they extend the battery life, but they won’t over charge and help with winterization.